Is Cleo App Legit?

Positive

1%

Negative

99%

Many users express significant concerns about the security and privacy of the Cleo app. They report issues with unauthorized access to their bank accounts, difficulty in deleting personal information, and a lack of transparency in how their data is handled. Several reviews mention that the app feels like a scam, with some users fearing data mining and unauthorized charges. The AI-driven customer support is criticized for being unhelpful and frustrating, often leaving users in a loop without resolving their issues. Overall, the sentiment is overwhelmingly negative, with users feeling uneasy about sharing sensitive information with the app.

App reviews talking about Security & Privacy:

"...Spy in your bank account..."

"...they won’t let you delete any card information or delete your account..."

"...they charge you for stealing your data..."

Positive

2%

Negative

98%

Many users complain about the Cleo app's subscription cancellation process, describing it as nearly impossible. They report being stuck in endless loops with the AI chatbot, which fails to process cancellation requests effectively. Numerous reviews mention unauthorized charges continuing even after attempts to cancel, with some users resorting to disputing charges with their banks. The lack of human customer support exacerbates the frustration, as users struggle to get refunds or even a response. Overall, the sentiment is overwhelmingly negative, with users feeling trapped by a service they no longer wish to use.

App reviews talking about Subscription Cancellation:

"...this app has made charges to my account while also not allowing me to cancel my subscription..."

"...I have tried everything to unsubscribe but it won’t let me..."

"...I canceled my subscription months ago but they steal money out of my account every week..."

Positive

2%

Negative

98%

Many users express frustration with Cleo's subscription model, describing it as misleading and exploitative. They report being charged multiple times for subscriptions, often without receiving the promised cash advances. The app's requirement to pay a subscription fee before knowing if they qualify for an advance is seen as a 'bait and switch' tactic. Users also complain about the lack of transparency and difficulty in canceling subscriptions, with customer service being largely unhelpful. Overall, the sentiment is overwhelmingly negative, with users feeling that the subscription fees are an unnecessary burden, especially when they don't receive the expected services.

App reviews talking about Subscription Model:

"...they literally make you pay a subscription fee and then only loan you $20..."

"...I was billed twice in one month for a subscription of 5.99..."

"...they charge you a monthly fee in order to even get to the point of requesting an advance..."

Positive

8%

Negative

92%

Many users complain about the Cleo app's stability, highlighting frequent glitches, crashes, and unresponsive features. The app often fails to load, freezes, or displays error messages, making it difficult for users to perform basic functions like connecting bank accounts or requesting cash advances. The recent updates seem to have exacerbated these issues, with users expressing frustration over the app's inability to function properly and the lack of effective customer support. The sentiment is overwhelmingly negative, with many users considering the app unreliable and not worth the hassle.

App reviews talking about App Stability:

"...app used to work great now it's functionality is broken..."

"...app no longer even loads when I open the page..."

"...this updated version keeps freezing and loading..."

Positive

9%

Negative

91%

Many users complain about Cleo's misleading advertising practices. They report being enticed by promises of cash advances and subscription benefits that don't materialize as advertised. Several users mention being charged a $5.99 fee without clear prior notice, only to find out they are ineligible for the cash advance after payment. Others highlight discrepancies between advertised and actual cash advance amounts, with some experiencing reduced offers after subscribing. The app's promotional offers, like referral bonuses, are also criticized for not delivering as promised. Overall, users feel deceived by the app's advertising, leading to a negative experience.

App reviews talking about Advertising Accuracy:

"...Cleo advertises a $5.99/month subscription for Cleo Plus or Builder, but that’s not what they actually charge..."

"...they make you pay $5 bucks before you even know how much you’ll get..."

"...The ad I saw said Cleo is free but is not.$6 a month to be able to get cash advance..."

Positive

13%

Negative

87%

High fees are a common complaint among Cleo users. Many express frustration over being charged multiple fees for small advances, including a subscription fee, express fees, and fees for splitting advances. Users often feel misled by the app's promises, as they are required to pay fees before knowing their eligibility or the amount they can borrow. The sentiment is overwhelmingly negative, with users feeling that the app preys on those in financial need by layering on unnecessary costs. Some users even describe the app as a scam, citing unauthorized charges and difficulties in obtaining refunds.

App reviews talking about Fees & Costs:

"...they charge a subscription and advance fee, and they don’t let you take out the full amount in one day..."

"...Cleo is charging me twice for access to my approved funds, on top of my subscription fee..."

"...you have to pay first to get a loan. This scheme is not worth it..."

Positive

12%

Negative

88%

Many users express frustration with Cleo's bank compatibility, highlighting persistent issues with linking and maintaining connections to their bank accounts. A common complaint is that the app frequently disconnects from users' banks, making it difficult to access cash advances or update banking information. Several reviews mention that the app's recent updates have exacerbated these issues, with buttons to connect or update bank accounts often unresponsive. Users also report that while the app struggles to connect to their banks for advances, it has no trouble processing subscription fees. Overall, the sentiment is negative, with many users feeling that the app's bank compatibility issues render it unreliable and not worth the subscription cost.

App reviews talking about Bank Compatibility:

"...my bank mysteriously will not link and keeps getting disconnected..."

"...accounts will not connect the app is useless since the upgrade..."

"...my bank account is connected but it keeps telling me to reconnect..."

Positive

16%

Negative

84%

Customer support is reported to be a major issue with Cleo, as many users express frustration over the lack of human interaction and the reliance on an AI chatbot that often leads them in circles without resolving their issues. Numerous reviews highlight the difficulty in reaching a live person, with some users waiting weeks for a response or receiving none at all. The sentiment is overwhelmingly negative, with users feeling ignored and unsupported, especially when dealing with financial matters. The AI is often described as unhelpful, and the absence of a direct contact number or email for immediate assistance exacerbates the problem.

App reviews talking about Customer Support:

"...the ask Cleo isn’t anything special they don’t actually have someone to resolve you’re issue..."

"...when you ask the chat thing for help it doesn’t really give u any help neither..."

"...No one come to the chat right away and when they do come, they can’t fix anything..."

Positive

31%

Negative

69%

Many users express frustration with Cleo's approval process for cash advances. A common complaint is the inconsistency in eligibility, with some users reporting being approved initially, only to be denied later without clear reasons. Others mention that despite having a good repayment history, their eligibility changes unexpectedly, leaving them unable to access needed funds. The lack of transparency and communication from customer service exacerbates these issues, as users struggle to understand why their eligibility status changes. Additionally, some users feel misled by the app's promises, as they are often required to pay for a subscription without guaranteed approval for an advance.

App reviews talking about Approval Process:

"...my eligibility changed out of no where and now I’m short a bunch of money..."

"...I paid my first advancement off on time, there should absolutely be no reason not to allow me to take a second one."

"...it tells you that your eligible for a certain amount but proceeds to split up the amount so that the can get a bigger payback fee..."

Positive

42%

Negative

58%

Many users express frustration with Cleo's cash advance feature, citing inconsistent and often low loan amounts. Despite some users appreciating the app for providing quick cash without a credit check, others are disappointed by the frequent changes in eligibility and the small advances offered, sometimes as low as $30. Several reviews mention that even after repaying advances on time, the amounts available for future advances are reduced without clear explanation. Additionally, users are unhappy with the subscription fees and additional charges, which they feel are not justified by the service provided. Overall, the sentiment is negative, with many suggesting alternative apps that offer better loan terms.

App reviews talking about Loan Amounts:

"...this app doesn’t give much of an advance and charges a monthly subscription..."

"...I got an initial $200 advance when downloading, paid it off with zero issue, then had my advance amount dropped to $80..."

"...they never give you your advance u pay for..."

Positive

52%

Negative

48%

Opinions on Cleo's repayment terms are mixed. Some users appreciate the flexibility of choosing their repayment dates, while others express frustration over unexpected early withdrawals and inflexible repayment schedules. A few users mention issues with the app not aligning repayment dates with their paydays, causing financial strain. Additionally, there are complaints about the app's customer service, particularly the difficulty in reaching a human representative to resolve repayment issues. Despite these concerns, some users find the app helpful during financial crunches, appreciating the ease of use and the ability to postpone payments without extra charges.

App reviews talking about Repayment Terms:

"...they shorten the repay time so you default and they give less..."

"I tried to change the payment date on my account and was not able to..."

"...they let me pick out my repayment date! I'm happy with the deal..."

Positive

63%

Negative

37%

Opinions are mixed when it comes to the speed of funding with Cleo. Some users praise the app for providing quick and easy cash advances, often receiving funds within minutes or hours. However, others express frustration over delays, with some waiting several days beyond the promised timeframe to receive their money. A few users also mention that they had to pay additional fees for faster transfers, which they found disappointing. Overall, while many appreciate the convenience and speed, there are notable complaints about inconsistent delivery times.

App reviews talking about Funding Speed:

"...they never pay out advances on time unless you pay them a fee to get it right away..."

"I got my loan when I needed it quick and easy..."

"...it said it would hit my account in 24 hours but here we are on the 30th of June and still nothing..."

Positive

86%

Negative

14%

Users praise Cleo for its ease of use, highlighting the app's straightforward navigation and quick setup process. Many appreciate how simple it is to access cash advances, with some noting they received funds almost instantly. The app's user-friendly design is frequently mentioned, making it accessible even for those who aren't tech-savvy. While the majority of reviews are positive, a few users experienced difficulties with certain features, such as adding a new bank account or navigating recent changes. Overall, the sentiment is overwhelmingly positive, with users finding Cleo to be a convenient and helpful financial tool.

App reviews talking about Ease of Use:

"...Cleo is an awesome app that's easy to use and simple to navigate through..."

"Very veryyyyy easy to use. fast ad well!!"

"...easy to use and the tips on saving are actually good"

Positive

93%

Negative

7%

Users praise Cleo for its effective budgeting tools, highlighting its ability to keep them accountable and aware of their spending habits. Many appreciate the app's unique approach, using humor and 'roasting' features to make financial management engaging and insightful. Cleo is often described as a personal financial advisor, providing real-time insights and helping users make informed decisions about their finances. The app's AI-driven analysis is noted for being both brutally honest and helpful, making budgeting a more approachable and even fun task.

App reviews talking about Budgeting Tools:

"...Cleo is amazing. It’s really helped me to stay on budget..."

"...Cleo is a fantastic fun way to get help with your financial struggles..."

"...Cleo roasted me and in that process; it showed me that I spend too much money on wants not needs..."

Positive

96%

Negative

4%

Users praise Cleo for its engaging and effective approach to financial education. Many appreciate the app's ability to break down spending habits and provide insightful advice on saving money. The AI's humorous and straightforward style makes financial management feel less daunting and more enjoyable. Users find the app's 'roast' feature particularly helpful in highlighting unnecessary expenses, leading to better financial decisions. Overall, Cleo is seen as a valuable tool for those looking to improve their financial literacy and manage their money more effectively.

App reviews talking about Financial Education:

"...Cleo is great at keeping you informed of your finances as well as areas to improve all while keeping it cool and fun..."

"...AI-powered Finance and Budget analysis and tools help me get a handle on where my monthly $Dollars have gone..."

"...the tips on saving are actually good..."

Positive

95%

Negative

5%

Users praise Cleo for its reliability in providing cash advances when needed, often describing it as a lifesaver during financial crunches. Many appreciate the app's consistency in delivering on its promises, with advances typically processed quickly and without hassle. However, a few users note occasional inconsistencies in the amounts available for advance, which can be frustrating. Overall, the sentiment is overwhelmingly positive, with users expressing gratitude for the app's dependable support during tough times.

App reviews talking about Reliability:

"...very reliable, and trustworthy I've had this app several months now..."

"Dependable. I know I can count on Cleo when I need an extra boost."

"...always comes through in time of need...well most times!"